Financial knowledge and understanding is needed to function well in society; however, young people with a migration background in Germany have been found to perform worse on tests of financial knowledge than those without. Very little investigation has been made into the relationship between financial knowledge and language ability, and ostensibly no in-depth investigation has been made into the connection between frequency of use of the local language and how it correlates to performance on such tests. In this paper we examine the relationship between migration background and knowledge and understanding of personal finance of young adults in Germany. We administered a validated German version of the Council for Economic Education’s Test of Financial Literacy to 1037 individuals between the ages of 17 and 25 and controlled not only for migration background but also for frequency of German language use. In line with results of previous studies, we found participants with a migration background generally had less financial knowledge than those with no migration background. More specifically, migrants who spoke predominantly a language other than German at home demonstrated less financial knowledge than those who spoke German at home with their families. Thus, it is not migration background per se, but rather more obscure variables related to migration background that may influence performance on such tests of financial knowledge.

需要财务知识和理解才能在社会中良好运作；但是，已经发现具有德国移民背景的年轻人在金融知识测试方面的表现要比没有年轻人的表现差。关于财务知识和语言能力之间的关系的研究很少，而且表面上未对使用本地语言的频率及其与这种测试的表现之间的关系进行深入研究。在本文中，我们研究了移民背景和知识以及德国年轻人对个人理财的了解之间的关系。我们对1037位年龄在17到25岁之间的1037个人进行了经济教育委员会金融能力测试的经过验证的德语版本，不仅控制了移民背景，而且控制了德语使用频率。与先前的研究结果一致，我们发现具有移民背景的参与者通常比没有移民背景的参与者具有较少的金融知识。更具体地说，与在家里与家人说德语的移民相比，主要说德语而不是德语的移民在财务方面的知识要少。因此，并不是迁移背景本身，而是与迁移背景相关的更模糊的变量可能会影响此类金融知识测试的绩效。与先前的研究结果一致，我们发现具有移民背景的参与者通常比没有移民背景的参与者具有较少的金融知识。更具体地说，与在家里与家人说德语的移民相比，主要说德语而不是德语的移民在财务方面的知识要少。因此，并不是迁移背景本身，而是与迁移背景相关的更模糊的变量可能会影响此类金融知识测试的绩效。与先前的研究结果一致，我们发现具有移民背景的参与者通常比没有移民背景的参与者具有较少的金融知识。更具体地说，与在家中与家人说德语的移民相比，主要说德语而不是德语的移民的财务知识要少。因此，并不是迁移背景本身，而是与迁移背景相关的更模糊的变量可能会影响此类金融知识测试的绩效。与在家里与家人说德语的移民相比，以德语为母语的移民在财务方面的知识较少。因此，并不是迁移背景本身，而是与迁移背景相关的更模糊的变量可能会影响此类金融知识测试的绩效。与在家里与家人说德语的移民相比，以德语为母语的移民在财务方面的知识较少。因此，并不是迁移背景本身，而是与迁移背景相关的更模糊的变量可能会影响此类金融知识测试的绩效。